This document contains an analysis of balance sheet items for the big 5 Canadian banks in Q3 2014, including loans, deposits, and total assets. It includes interactive visualizations created in Tableau Public. The analysis shows that TD Bank's total assets exceeded RBC's in Q3 2014, after TD Bank's assets grew more quickly in Q4 2013. It also examines differences in personal versus business loans and deposits between the banks.

1. Interactive Visualization
of Loans and Deposits
of Big 5 Canadian Banks
Q3 2014
Prepared by
Serene Zawaydeh
26-10-14
Using Tableau Public
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no#1
Source of Data: Banks’ Quarterly Results

2. Can we view these figures differently?
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Figuresmillion?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

3. Dashboard
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

4. RBC was the leading bank with highest
Total Assets in Q3 2012…
• Followed by TD Bank, Scotia Bank, BMO, CIBC
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/AssetsQ32012?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

5. TD Bank’s Total Assets Exceeded RBC’s in Q3 2014
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Assets-BusinessPersonalLoans?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

6. A closer look at TD Bank and RBC…
TD Bank’s Total Assets Growth Accelerated in Q4 2013, exceeding RBC’s
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/TDBankvsRBC-Q413TDexceedsRBC?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

7. Loan to Deposit Ratio
Retail versus Businesses
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoantoDeposit-
PersonalvsBusinessQ32014?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

8. Turning Deposits to Loans…
TD Bank’s Personal Loans are close to personal deposits.. 3x business loans
RBC’s Personal Loans are close to Business Deposits
Scotia Bank’s Personal Loans are close to Business + Personal Deposits
BMO’s Business Loans twice CIBC’s… CIBC’s Personal Loans 1.2x BMO’s
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Matrix-BanksQ32014Q32013?:showVizHome=no#1
Serene Zawaydeh serene.zawaydeh@gmail.com

9. Highest Business Deposits: RBC & Scotia Bank
Highest Personal Deposits: TD Bank
Highest Personal Loans: Scotia Bank
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalandBusinessLoansQ32014vsQ3201
2?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

10. Personal vs Business
Loans and Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoansandDeposits?
:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

11. 5 Banks Combined
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Total5Banks?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

12. High Personal Loans… Lower Deposits
Low Business Loans.. Higher Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalvsBusinessLoansDeposits?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com

13. High Personal Loans…
Low Personal Deposits
• High mortgages, credit card loans, car loans,
student loans
• Higher personal loans … higher interest
expenses
• Low personal deposits
– Low individual savings
– Low to no interest for deposits at bank
Serene Zawaydeh serene.zawaydeh@gmail.com

14. Funding Gap
• Crowdfunding campaigns were launched by
individuals and startups seeking funding for their
projects
• Loans to businesses and government can
accelerate economic activity, creating more
projects that generate more revenues, increasing
profitability, while hiring more people, reducing
unemployment, and creating wealth.
Serene Zawaydeh serene.zawaydeh@gmail.com

15. TD Bank
Balance Sheet Visualization
https://public.tableausoftware.com/views/BalanceSheetVisualization/Bubbles?:showVizHome=no#1
Serene Zawaydeh serene.zawaydeh@gmail.com

16. Thank You
Serene Zawaydeh
serene.zawaydeh@gmail.com
ca.linkedin.com/in/serenezawaydeh/